Sell BIO KEY INTERNATIONAL INC (BKYI) stock to fund a goal
Calculator · free · no signup · BKYINeed cash for a goal? Plan the minimum-tax schedule to sell your vested BIO KEY INTERNATIONAL INC (BKYI) shares and net a target amount by a target date, across tax years.
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Inputs
Your equity
One stack per ticker (current-employer RSUs, prior-employer holdings, index fund, etc.). Each stack has its own current price, growth assumption, and cost-basis lots.
Drives chance-of-shortfall · default 30%
Lots
Plan
Estimates only. Not financial advice.
Lock-in-now is deterministic (0%). Plans that wait depend on future prices; risk is near-zero when inventory comfortably exceeds the goal. Volatility: each stack's option-implied vol if a ticker is set, otherwise 30%. Lognormal model; real markets have fatter tails.
| Tax | $110,083 | $112,152 | $112,200 | $119,107 |
| Wealth @ target | $717,604 | $715,404 | $713,184 | $710,541 |
| Chance of shortfall | <0.1% | 0% | 1.7% | 3.3% |
Feasible
$400,039 net by 08/01/27
Total tax: $110,083 (federal $58,924, state $36,411, NIIT $14,748)
Schedule · Recommended
| Sale date | Shares | Tax | Net | Cumulative |
|---|---|---|---|---|
| 08/26/26 | 4,092 | $351,361 | $360,079 | |
| 03/31/27 | 4 | $359 | $360,441 | |
| 04/30/27 | 32 | $2,891 | $363,351 | |
| 05/31/27 | 100 | $9,088 | $372,480 | |
| 06/30/27 | 100 | $9,141 | $381,643 | |
| 07/31/27 | 100 | $9,196 | $390,840 | |
| 08/01/27 | 100 | $9,199 | $400,039 |
Risk vs wealth
Each dot is a possible plan. Right is riskier, up is more wealth left over.
Trajectory of cash netted
Solid line = expected. Shaded band = 10th–90th percentile under price uncertainty.
After the plan
You keep 3,472 shares worth $410,285 at the projected target-date price, invested for the next decision.
You solved for a cash target. The beta optimizes your full portfolio across multiple goals and market scenarios, not just one funding need.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration Calculator · RSU Sell-vs-Hold Calculator
About BIO KEY INTERNATIONAL INC
BIO KEY INTERNATIONAL INC (BKYI) is a public Cybersecurity company, incorporated in Delaware and headquartered in Holmdel, NJ. IPO'd Feb 21, 1997.
Nasdaq; fingerprint biometric identity/access-management; formerly SAC Technologies (renamed 2002, same continuous operating company); 2026-10-30 S-1 is a follow-on filing by an already-public company, not an IPO prospectus.
Equity grants at BIO KEY INTERNATIONAL INC typically include incentive stock options (ISOs) and non-qualified stock options (NSOs).
BIO-key International traces to 1993, when it began developing fingerprint-based biometric identification technology. Based in Holmdel, New Jersey, the company now sells PortalGuard, an identity and access management (IAM) platform that verifies employee and customer logins using fingerprints, face scans, or multi-factor authentication instead of passwords alone. It trades on Nasdaq under BKYI and reported more than 600 customers as of December 31, 2025, per its 10-K filing. In October 2025, it raised $3.1 million through a warrant inducement priced at $1.02 per share.
Sources: sec.gov · sec.gov · finder.techleap.nl
Equity comp at BIO KEY INTERNATIONAL INC
- BIO-key International is a publicly traded Nasdaq company (BKYI), not a pre-IPO startup. Its 2015 and 2023 stock incentive plans give the Board or Compensation Committee discretion to immediately accelerate vesting of unvested stock options and lift forfeiture restrictions on restricted stock upon a change in control (a single trigger: the deal closing alone can vest awards, no second event like a job loss is required). The CEO's employment agreement adds a separate severance provision if he is not kept on, or is terminated, within five years after a change in control. BIO-key was briefly delisted from Nasdaq in May 2026 for late financial filings, then relisted on July 8, 2026 under ongoing Nasdaq monitoring through mid-2027, and completed a 1-for-10 reverse stock split in 2026.
- Early exercise is not allowed: you have to wait for shares to vest before you can buy them.
Sources: sec.gov · sec.gov · chartmill.com
Researched 2026-11-01.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by BIO KEY INTERNATIONAL INC.
If you hold vested BIO KEY INTERNATIONAL INC (BKYI) shares and need a set amount of cash by a date (a house down payment, tuition, a sabbatical, a business buy-in), the question is which lots to sell and in which tax years to keep the most after tax. This calculator builds the minimum-tax sell schedule across your lots, accounting for federal long-term capital gains, the net investment income tax, and your state.
All BIO KEY INTERNATIONAL INC tools → · Use the generic Stock Sale Funding Calculator for any company.
BIO KEY INTERNATIONAL INC equity questions
- How much BKYI stock do I sell to fund a goal without overpaying tax?
- It depends on your cost basis, your target amount and date, and how the sale spreads across tax years. Selling vested BKYI shares triggers long-term capital-gains tax, plus the 3.8% net investment income tax and state tax above certain income, and bunching a large sale into one year can push the gain into a higher bracket. The calculator above builds the minimum-tax sell schedule across your lots to net your target amount by your date.
- Does BIO KEY INTERNATIONAL INC grant ISOs, NSOs, or RSUs?
- Equity compensation at BIO KEY INTERNATIONAL INC typically takes the form of incentive stock options (ISOs) and non-qualified stock options (NSOs). Incentive stock options can trigger the alternative minimum tax (AMT) when you exercise.
- Does BIO KEY INTERNATIONAL INC allow early exercise of stock options?
- No. BIO KEY INTERNATIONAL INC requires options to vest before you can exercise them, so the holding-period clock for long-term capital-gains treatment starts as each tranche vests and you exercise it.
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